National Credit Control Agency or NCCA is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is National Credit Control Agency – NCCA?
National Credit Control Agency, Inc. (NCCA) is a third-party collection agency based in California. NCCA has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as failing to verify debts and using abusive or threatening langue in an effort to collect a debt. If you have been contacted by NCCA, be sure you understand your rights before you take action.
Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.
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The harassing company pays our fees.
Is National Credit Control Agency a scam?
They’re legit. According to the Better Business Bureau (BBB), National Credit Control Agency, Inc.was founded and incorporated in 1969. Although the BBB has established a profile page for NCCA, NCCA has not yet officially claimed or authorized its use. NCCA is listed as a collection system and collection agency. Buzzfile estimates NCCA’s annual revenue at $620,000 and the size of its headquarters staff at 9 employees.
NCCA does not maintain a publicly accessible website. Both the Facebook and LinkedIn social media networks have automatically generated profile pages for NCCA, but neither page provides customer reviews or any information about this agency’s business practices.
According to its Yelp! Profile page, National Credit Control Agency “is a full-service, … family owned and operated collection agency that has proudly served the Southern California business community for over 45 years.” NCCA states that it is “large enough to handle all…collection needs, yet small enough to provide personalized attention to all…clients and their accounts.” NCCA “specializes in the advertising industry but has a rather large and diverse list of clients covering all aspects of business and personal debt collections.” There are no customer reviews posted on the Yelp! Profile page.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many Complaints are there against National Credit Control Agency?
The BBB has closed 2 complaints against National Credit Control Agency in the past three years, with 1 complaint closed in the past 12 months. One of those complaints alleges problems with billing and collections; the other complaint cites problems with customer service. Neither the Consumer Financial Protection Bureau (CFPB) nor Justia has posted any complaint information about NCCA.
National Credit Control Agency, Inc. 4032 Wilshire Blvd., Ste 401 Los Angeles, CA 90010 Telephone: (213) 487-2414
Can National Credit Control Agency Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely NCCA would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against National Credit Control Agency?
Absolutely. Here are some Sample Complaints
Complaints against National Credit Control Agency cite problems resulting from disputes about the validity of debts and allegations of rude collectors. In August 2018, a complainant stated that NCCA had reported a delinquent item to the credit reporting agencies. The complainant said she “had no knowledge of this debt, so she disputed it.” According to the complainant, in response to her complaint, she “was sent 3 pages, one of which was a ‘ledger,’ to prove her debt balance was correct.” However, she stated that the information in the document was incomplete and “did not have the balance. It read, ‘RequestAdd’l. Pgs.of Ledger,’ with a 5 circled on it.” She said she contacted her “insurance company, who said they paid the claims, which total $647.32,”but NCCA is reporting it delinquent. She also said she had spoken with the original creditor, an anesthesiologist, “who also informed her that insurance did pay most of it, but kept requesting the claim be resubmitted.” The debt was ultimately sent to collections without notifying her first. The complainantcalled NCCA “to update information on her account, …and was allegedly immediately treated with disrespect.” She stated that she had spoken courteously, indicating she “needed to update attorney information on her account.” In response, the NCCA representative “immediately responded ‘Yeah, and?’” The complainant was“immediately offended and asked to speak to a supervisor, at which point the NCCA representative told her she was the supervisor.” The NCCA representative “went on to tell her there was no one else but her to speak to,” even though the complainant “could hear a gentleman in the back speaking.” The representative then said she should call back later in the afternoon and hung up on the complainant. The complainant said she “called back three times after that,” but the same representative kept answering the phone, “saying something rude and hanging up.” With regard to the debt itself, the complainant stated it resulted from “anesthesia from a c-section and an infection that followed that procedure,” all of which should have been covered by Medicaid and her private insurance. She said her insurance company claimed to have paid this bill, and that NCCA had failed to verify the debt prior to reporting it as delinquent.
In response, National Credit Control Agency acknowledge that the complainant had disputed the debt with the credit reporting agencies. NCCA stated that the credit reporting agency had verified the debt, and that NCCA had responded to her dispute by sending a copy of the ledger showing the charges for her medical treatment. According to NCCA, the complainant was “extremely rude” when she contacted them. NCCA also claimed that it was the complainant who hung up on the NCCA representative and that they had “billed her insurance company… 24 times but no money was ever received.” As a result, the anesthesiologist “assigned the account to NCCA for collection.” No resolution was reached in the complaint forum.
National Credit Control Agency Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Want to Stop Debt Collection Harassment Now?
You may have a case, if…
You are receiving multiple calls per week from third party collection agencies
You are receiving early morning or late night calls from debt collectors
You are receiving calls at work from a debt collection agency
Debt collectors are calling your friends, neighbors, or coworkers
Collectors are threatening you with violence, a lawsuit, or arrest
A debt collector attempts to collect more than you owe
You are being threatened with negative credit reporting
A debt collector attempts to intimidate you
Criminal accusations are being made towards you
Use of obscene language during an attempt to collect
Automated robocalls are being made to your phone in an attempt to collect
“I have to admit, I was not sure of y’all initially but you proved me wrong. You not only got the calls to stop but you have the company to dismiss the accounts once and for all! It had been more than I anticipated.”
“Prior to contacting you, we had tried repeatedly to handle this matter without threatening litigation. In the end, not only were they unapologetic, but they were dismissive – even of an attorney friend who called on our behalf. Sincerest thanks for resolving this matter for us!”
“Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
“Thank you and your team at Lemberg Law for the exceptional work you did on my behalf. I have never experienced the level of care, professionalism, timeliness in follow-through, and monetary compensation obtained through your firm.”
Can You Help Me Delete National Credit Control Agency from My Credit Report?
We can absolutely help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.